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Finding the best life insurance rates is easy using our free online quoting tool. You can give it a test run without disclosing any personal information. Just enter your zip code, gender, birthdate, and smoking status, and you’ll get a quick chart that compares your policy options and pricing.

Image of the first page of the quoting tool.

Simple, right!

What we’ve found is that there are 6 reasons that prevent people from getting life insurance quotes in the first place. These misconceptions start with the biggest one: most people don’t realize how affordable term life insurance is.

When they find Quotacy’s free quoting tool and find out that they can afford life insurance to protect their family, most people are happy and relieved. When they realize they can go from quote to coverage completely online, they are overjoyed that buying life insurance can be so simple.

#1 – Those with no life insurance think it’s three times more expensive than it actually is.2

We’re happy to help you improve your life insurance IQ at Quotacy. We believe in empowering you to make the best buying decision about your life insurance.

Most people without life insurance think it’s three times more expensive in cost than it actually is. If you are one of them, don’t put off buying an affordable policy. Whether you are considered Preferred Plus or Standard by the life insurance company, chances are you are paying much less for a term life insurance policy than your cable bill.

Instead of just assuming it’s too expensive, try it out for yourself.

» Compare: Term life insurance quotes

If you are young and healthy, locking in affordable permanent policy rates is possible as well. Layering permanent policies with term policies is another option, and if you want life-long coverage you’ll want to look into a permanent policy. Life insurance is very flexible, so whatever your needs are, Quotacy can help you get coverage.

#2 – Almost 1/3 of people aren’t buying life insurance or more of it because they don’t like thinking about death.3

I’m sorry to break it to you, but unless you own all three Deathly Hallows and become a “Master of Death” you will die eventually. If you have loved ones who rely on your income, then you need to think about the possibility of you dying prematurely. Your mortgage, your children’s education, ensuring your spouse will live comfortably in retirement—term Life Insurance addresses all of these concerns. Life insurance is one of the most selfless purchases you can make. Life insurance can bring peace of mind to both you and your loved ones.

Life insurance is one of the most selfless purchases you can make.

Want to see what you’d pay for life insurance?

Compare the best prices from the names you know and trust, all in one place with no commitments.

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#3 – 38 percent haven’t bought life insurance or more of it because they’re unsure of how much or what type to buy.4

Knowing exactly how much life insurance you need and which type (permanent or term) can be confusing, but you have a responsibility to your loved ones to figure it out. That’s why Quotacy was founded. We made it our goal to make researching, comparing, and buying life insurance easier.

Experiment with our free and easy-to-use need analysis tool. It will help you determine how much coverage you need, and you also have the option to contact Quotacy for a more in-depth needs conversation. Whether phone or e-mail is your communication tool of choice, we’ll adapt to you.

» Calculate: Life insurance needs calculator

#4 – One in three women believe they don’t have enough life insurance.5

Despite women rising in the workforce and their incomes growing, they still overall have less confidence with money and have less life insurance coverage than men. Many women feel that financial information is too difficult to understand and geared only toward men. In today’s world, women also feel that their everyday responsibilities keep them too busy to address financial planning strategies.

It’s time for America’s ladies to take control of their financial future and ensure their loved ones will be taken care of, even if they’re no longer around to do so. With Quotacy it only takes 30 seconds to get an anonymous term life insurance quote and once you apply your Quotacy team moves things along for you to keep the process of getting the best life insurance rates as easy as possible.

» Learn more: Women’s Need for Life Insurance

#5 – Four in ten insured husbands and wives have only group life insurance coverage.6

Group life insurance is a great benefit to take advantage of through your employer, but you can only collect on your group life insurance policy if it’s in force and you’re employed with the company when you die. If you rely on only your company’s life insurance plan, you may be left out in the dark when the unexpected does happens, like losing a job or becoming ill.

#6 – 85 percent of consumers agree that most people need life insurance, yet only 62 percent say they have it.7

The statistical group to be a part of here is the 62 percent. Everyone’s life insurance needs are different, but most people do need some type of life insurance coverage. Quotacy can help. Start by getting a no-pressure, free term life insurance quote. The best part is you don’t need to give away any personal contact information to do so.

We will review your online pre-application before submitting it to the life insurance carrier just to be sure everything checks out. You are always free to contact us with any questions—such as which factors may affect your life insurance premiums and if there is anything you can do to ensure you get the best life insurance rates possible.


(1) 9 Weird Statistics About Daily Life, Live Science, January 2012

(2-5) 2015 Insurance Barometer Study, Life Happens and LIMRA

(6) Personal-level Trends in the U.S., Life Ownership, LIMRA, 2011

(7) 2013 Insurance Barometer Study, LIMRA


Photo credit to: Ben White


About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Marketing Content Manager

Natasha is a writer and content editor at Quotacy. She is also co-host of Quotacy’s YouTube series. She can't get enough of life insurance and outside of work is also working toward her Chartered Life Underwriter designation. Connect with her on LinkedIn.